Stop Creditor Harassment in Texas
When a creditor sends a delinquent balance to collections, it seems like debt collectors have no boundaries. They'll do anything they can think of to intimidate you into paying your bill!
The stress caused by endless collection calls can damage both your mental and physical health. Your creditors want to break you down so they can manipulate you into doing what they want. Don't let their harassment ruin your life!
It's time to tell collectors enough is enough! Call or text DebtStoppers today at 469-646-0750 to request a free bankruptcy consultation with a member of our skilled Texas legal team. We’ll explain how bankruptcy laws empower you to put your foot down and take a stand against creditor harassment.
Texas Harassment Laws
Federal consumer protection laws like the Fair Debt Collection Practices Act (FDCPA) restrict the collection methods debt collectors can rely on. These laws prohibit using threats or harassment when attempting to collect on a debt.
The FDCPA bars:
- Harming or threatening to harm you, your reputation, or your property
- Using profanities or obscene words
- Advertising in public or private that you owe a debt
- Making empty threats of lawsuits or arrests
- Repetitive phone calls meant to harass or annoy
- Refusing to reveal their identity on a phone call
- Calling you after 9 p.m. or before 8 a.m.
- Contacting you personally when you have an attorney
Illegal Collection Methods in Texas
In addition to the protections offered by the FDCPA, Texas has passed its own laws to prohibit creditor bullying. One of these laws, the Texas Debt Collection Act, prohibits collectors from engaging in abusive or fraudulent collection practices such as:
- Falsely accusing you of fraud or other criminal offenses
- Using a fake name or fraudulent identification
- Lying about how much you owe or if judicial proceedings have been initiated
- Attempting to collect more than what is owed
Although such tactics are against the law, many collectors still use them. Their constant abuse can make you feel tiny and powerless.
But no matter how debt collectors make you feel, you aren’t powerless at all! Texas bankruptcy laws provide you with legal rights, and you don't have to tolerate creditor harassment.
DebtStoppers Can Stop Creditor Harassment
The moment you file a bankruptcy petition, the court will issue an automatic stay that orders your creditors to immediately stop any and all collection activities. Not only will they have to stop going after your cash, but they will also be prohibited from contacting you, period. This means you will finally get peace from the persistent phone calls and harassment!
Some creditors will choose to ignore the automatic stay and continue to bully you. If this occurs, DebtStoppers can — and often will — take them to court on our own dime to get your creditors to pay you financial compensation for violating the law.
Let our top-notch Texas lawyers show you how bankruptcy laws can help you avoid harassment and start over with a clean slate. Call or text DebtStoppers today at 469-646-0750 to schedule a free bankruptcy consultation with one of our skilled Texas attorneys.
Bankruptcy laws can empower you to stand up to creditor bullying. Call or text us today at 469-646-0750 to stop the harassment for good.